re: When do you start becoming conservative with 529 accounts?

Even in worse case scenario (if today is October 2007), the market fully recovered within 6 years. I think if the pending recession - you know, the one that should've happened in 2018, 2020-2022, etc. - doesn't happen soon, yes, I'd reduce risk fairly significantly. However, if it does happen soon, I would just keep plugging away.



The problem with the LA START age-based funds is they move your funds based on age, not on market cycle. So in the example someone else gave, they could take the entire drawdown of a recession and then because the kid turns 16, it automatically moves all to cash. Literally exactly what you're not supposed to do. If anything, a 50% drawdown you should move 100% to Total Market.